Juan has an authorized work permit issued by the u. s. government to work in the u. s. each day, juan travels from mexico to el paso, tx, to work in the construction trade. at the time that he was first employed, his u. s. employer issued him a(n) each week, the employer scans his work stipend onto it. juan can purchase with it, access cash through an atm with it, and transfer funds with it. the risk for juan is